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Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Close to area median. Standard 3–10% negotiation range. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 8/10 · Yorkshire and The Humber rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £700 |
| Bathroom | £500 |
| Living Room | £300 |
| Hallway / Stairs | £100 |
| Master Bedroom | £200 |
| Bedroom 2 | £200 |
| Bedroom 3 | £200 |
| Total Estimated Refurb | £1,800 |
⚠ Indicative estimates only. Based on photo condition score and regional benchmarks for a typical 2–3 bed property. Always obtain contractor quotes before committing to a refurb budget. Photo AI may over-flag minor cosmetic issues.
🔧 Local Trades
| Trade | Name | Phone | |
|---|---|---|---|
| builder | Lynch Renovation and Construction | 07304 063002 | — |
| decorator | Decorators in Leeds With Excellent Reviews | Free Quote ... | 0113 808 1192 | — |
Property Details
- Asking Price
- £145,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Floor Area
- 900–1,000 sqft
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
📈 Rental Yield & ROI Forecast
Compound-growth projection: 2.5% annual rent growth + 3% capital growth. IO mortgage throughout. For illustration only.
| Year | Est. Rent/yr | Est. Value | Net Income/yr | Cum. Cashflow | Total Return | ROI on Cash Invested |
|---|---|---|---|---|---|---|
| Yr 1 | £13,384 | £149,350 | £9,191 | £3,754 | £8,104 | 16.9% |
| Yr 3 | £14,061 | £158,445 | £9,679 | £11,990 | £25,435 | 53.0% |
| Yr 5 | £14,773 | £168,095 | £10,191 | £21,238 | £44,333 | 92.4% |
| Yr 10 | £16,714 | £194,868 | £11,589 | £49,132 | £99,000 | 206.3% |
| Yr 15 | £18,911 | £225,905 | £13,171 | £84,557 | £165,462 | 344.7% |
| Yr 20 | £21,396 | £261,886 | £14,960 | £128,501 | £245,388 | 511.2% |
| Yr 25 | £24,207 | £303,598 | £16,984 | £182,086 | £340,684 | 709.8% |
| Yr 30 | £27,388 | £351,953 | £19,274 | £246,577 | £453,530 | 944.9% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
Planning Applications Nearby (within 0.5 miles)
5 planning applications found within 0.5 miles — 🔒 sign in for references, descriptions and status
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● Approved ● Pending ● Refused
🌎 Area Profile — Yorkshire ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £948 | 7.8% | 4.8% | £-10 | -4.1% |
| Conservative | £1,037 | 8.6% | 5.7% | £190 | 5.7% |
| Base | £1,115 | 9.2% | 6.3% | £313 | 10.0% |
| Optimistic | £1,204 | 10.0% | 7.1% | £446 | 15.0% |
| Bull | £1,316 | 10.9% | 8.0% | £600 | 21.2% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●9.23% |
| Net Yield | ●6.34% |
| Net Annual Income | £9,189 |
| Deductions: void 8% (−£1,071) · mgmt 10% (−£1,338) · maint 10% (−£1,338) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £452 |
| Monthly Cashflow (IO) | ●£314 |
| Cash-on-Cash Return | ●7.82% |
| 5-Year IRR | ●10.0% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £7,650 |
| SDLT Effective Rate | 5.28% |
| SDLT (Company) | £7,650 |
| Section 24 Extra Tax/yr (higher rate) | £1,088 |
| SPV Annual Saving | £2,256 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £168,095 |
| Less: Purchase Price | −£145,000 |
| Less: Buying Costs (SDLT + legal) | −£10,250 |
| Less: Selling Costs (est. 2.5%) | −£4,202 |
| = CGT Net Gain (5yr) | £8,643 |
| CGT at 24% | £1,354 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £948 | 7.8% | 4.8% | £-10 | -4.1% |
| Conservative | £1,037 | 8.6% | 5.7% | £190 | 5.7% |
| Base | £1,115 | 9.2% | 6.3% | £313 | 10.0% |
| Optimistic | £1,204 | 10.0% | 7.1% | £446 | 15.0% |
| Bull | £1,316 | 10.9% | 8.0% | £600 | 21.2% |
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